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Patent 2919772 Summary

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Claims and Abstract availability

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(12) Patent: (11) CA 2919772
(54) English Title: ENCODING DATA IN MULTIPLE FORMATS
(54) French Title: CODAGE DE DONNEES DANS DE MULTIPLES FORMATS
Status: Granted and Issued
Bibliographic Data
(51) International Patent Classification (IPC):
  • G06K 7/00 (2006.01)
  • G06Q 20/34 (2012.01)
  • H04L 65/60 (2022.01)
  • H04L 69/22 (2022.01)
(72) Inventors :
  • TEMPLETON, THOMAS (United States of America)
  • POST, DANIEL JEFFREY (United States of America)
  • TOPPANI, DOMINIQUE GILBERT (United States of America)
  • SUTTON, ALEX (United States of America)
(73) Owners :
  • BLOCK, INC.
(71) Applicants :
  • BLOCK, INC. (United States of America)
(74) Agent: BENNETT JONES LLP
(74) Associate agent:
(45) Issued: 2016-10-25
(86) PCT Filing Date: 2014-07-15
(87) Open to Public Inspection: 2015-02-12
Examination requested: 2016-01-28
Availability of licence: N/A
Dedicated to the Public: N/A
(25) Language of filing: English

Patent Cooperation Treaty (PCT): Yes
(86) PCT Filing Number: PCT/US2014/046759
(87) International Publication Number: WO 2015020763
(85) National Entry: 2016-01-28

(30) Application Priority Data:
Application No. Country/Territory Date
13/961,572 (United States of America) 2013-08-07
14/313,882 (United States of America) 2014-06-24

Abstracts

English Abstract

Methods, systems, and apparatus, including computer programs encoded on computer storage media, for modulating card information between a card reader and a user device. One of the methods includes receiving, from a read head of the card reader, card information associated with a card. The card information is encoded in a first format to be sent to the user device at a first data rate. The card information is encoded in a second format to be sent to the user device at a second data rate lower than the first data rate. The card information is sent to the user device encoded in the first format and the second format.


French Abstract

L'invention concerne des procédés, des systèmes et un appareil, comprenant des programmes d'ordinateur codés sur des supports de stockage d'ordinateur, permettant de moduler des informations de carte entre un lecteur de carte et un dispositif d'utilisateur. L'un des procédés consiste à recevoir, en provenance d'une tête de lecture du lecteur de carte, des informations de carte associées à une carte. Les informations de carte sont codées dans un premier format à envoyer au dispositif d'utilisateur à un premier débit de données. Les informations de carte sont codées dans un second format à envoyer au dispositif d'utilisateur à un second débit de données inférieur au premier débit de données. Les informations de carte sont envoyées au dispositif d'utilisateur, lesquelles sont codées dans le premier format et le second format.

Claims

Note: Claims are shown in the official language in which they were submitted.


CLAIMS
What is claimed is:
1. A computer implemented method of communication between a card reader and
a user
device, comprising:
receiving, from a read head of the card reader coupled to the user device,
card
information on a payment card;
encoding the card information in a fast format packet to be sent to the user
device at a
first data rate;
encoding the card information in a slow format packet to be sent to the user
device at
a second data rate lower than the first data rate;
modulating the fast format packet and the slow format packet together into a
signal
that includes at least a first portion that corresponds to the fast format
packet and at least a
second portion that corresponds to the slow format packet and sending the
signal over a
communication port of the user device;
initiating, at the user device, a demodulation process on the first portion of
the signal
that corresponds to the fast format packet;
determining that the demodulation process on the portion of the signal that
corresponds to the fast format packet has failed;
in response to determining that the demodulation process on the portion of the
signal
that corresponds to the fast format packet has failed, demodulating the
portion of the signal
that corresponds to the slow format packet; and
decoding the card information from the demodulated slow format packet.
2. The method of claim 1, further comprising:
receiving the portion of the signal that corresponds to the slow format packet
before
or while performing the demodulation process on the portion of the signal
corresponding to
the fast format packet.
3. The method of claim 1, wherein sending, to the user device, the card
information
encoded in the first format and the second format comprises sending a portion
of the signal
corresponding to the fast format before a portion of the signal corresponding
to the slow
format.
16

4. A computer implemented method of communication between a card reader and
a user
device, comprising:
receiving, from a read head of the card reader, card information associated
with a
card;
encoding the card information in a first format to be sent to the user device
at a first
data rate;
encoding the card information in a second format to be sent to the user device
at a
second data rate lower than the first data rate;
sending, to the user device, the card information encoded in the first format
and the
second format together as a signal that includes at least a first portion that
corresponds to the
first format and at least a second portion that corresponds to the second
format; and
in response to determining that a demodulation process on the first portion of
the
signal that corresponds to the first format has failed, demodulating the
second portion of the
signal that corresponds to the second format.
5. The method of claim 4, wherein sending, to the user device, the card
information
encoded in the first format and the second format comprises sending the signal
over an audio
channel of the user device.
6. The method of claim 4, wherein sending, to the user device, the card
information
encoded in the first format and the second format comprises sending the signal
over a data
communications port of the user device.
7. The method of claim 4, wherein sending, to the user device, the card
information
encoded in the first format and the second format comprises sending the
portion of the signal
that corresponds to the slow format before or while the user device is
performing a
demodulation process on the portion of the signal corresponding to the fast
format.
8. The method of claim 4, wherein sending, to the user device, the card
information
encoded in the fast format and the second format comprises sending the portion
of the signal
corresponding to the fast format before sending the portion of the signal
corresponding to the
slow format.
17

9. A computer implemented method of communication between a card reader and
a user
device, comprising:
receiving, from the card reader a signal that includes encoded card
information
associated with a card, wherein the card information is encoded in a first
format received at a
first data rate and a second format received at a second data rate that is
lower than the first
data rate, and the signal includes at least a first portion that corresponds
to the first format and
at least a second portion that corresponds to the second format;
initiating a demodulation process on the portion of the signal that
corresponds to the
first format;
determining that the demodulation process on the portion of the signal that
corresponds to the first format has failed;
in response to determining that the demodulation process on the portion of the
signal
that corresponds to the first format has failed, demodulating the portion of
the signal that
corresponds to the second format.
10. The method of claim 9, further comprising:
receiving the portion of the signal that corresponds to the second format
before or
while performing the demodulation process on a portion of the signal
corresponding to the
first format.
11. The method of claim 9, wherein receiving, form the card reader, the
signal card
information associated with the card comprises receiving a portion of the
signal
corresponding to the first format before a portion of the signal corresponding
to the second
format.
12. The method of claim 9, wherein receiving, from the card reader, the
signal card
information associated with a card comprises receiving the signal over an
audio channel of
the user device.
13. The method of claim 9 wherein receiving, from the card reader, the
signal card
information associated with the card comprises receiving the signal over a
data
communications port of the user device.
18

14. A card reader configured to encode card information associated with a
card obtained
from a read head into a fast format to be sent to a user device at a first
data rate, encode the
card information in a slow format to be sent to the user device at a second
data rate lower
than the first data rate, send, to the user device, the card information
encoded in the first
format and the second format as a signal that includes at least a first
portion that corresponds
to the fast format and at least a second portion that corresponds to the slow
format, and, in
response to determining that the demodulation process on the portion of the
signal that
corresponds to the fast format has failed, demodulate the portion of the
signal that
corresponds to the slow format.
15. The card reader of claim 14, wherein the card reader is further
configured to send, to
the user device, the portion of the signal corresponding to the fast format
before the portion
of the signal corresponding to the slow format.
16. The card reader of claim 14, wherein the card reader is further
configured to send a
portion of the signal that corresponds to the slow format before or while the
user device is
performing a demodulation process on a portion of the signal corresponding to
the fast
format.
19

Description

Note: Descriptions are shown in the official language in which they were submitted.


CA 02919772 2016-01-28
ENCODING DATA IN MULTIPLE FORMATS
TECHNICAL FIELD
This disclosure relates to modulation techniques for communication between
devices.
BACKGROUND
Mobile card readers are available for magnetic stripe cards. A user provides a
payment card with a magnetic stripe at the point-of-sale to a merchant. The
merchant
processes the card using a card reader, e.g., the card is swiped on a
detachable card reader
coupled to a merchant device, which can be a mobile device. A payment request
is sent
electronically to a credit card processor. The credit card processor routes
the payment
request to a card network, e.g., Visa or Mastercard, which in turn routes the
payment
request to the card issuer, e.g., a bank. Assuming the card issuer approves
the transaction,
the approval is then routed back to the merchant. In the capture stage, the
approved
transaction is again routed from the merchant to the credit card processor,
card network
and card issuer, and the payment request can include the cardholder's
signature (if
appropriate). The capture state can trigger the financial transaction between
the card
issuer and the merchant, and optionally creates a receipt. There can also be
other entities,
e.g., the card acquirer, in the route of the transaction. Debit card
transactions have a
different routing, but also require swiping of the card.
SUMMARY
This specification relates to modulation techniques for improving the
reliability of
communication between a detachable card reader and a user device. Mobile card
readers
can be detachably connected to mobile user devices, which can be common
consumer
devices, e.g., smartphones or tablet computers. However, communication between
a card
reader and such devices can be unreliable because of the widely varying
hardware
capabilities of user devices with which the card reader may need to
communicate.
To improve the reliability of communication between a card reader and a user
device, the card reader can encode the card information into multiple data
packets that are
then modulated at different respective data rates and sent to the user device
as a single
combined signal. If, due to hardware or software limitations of the user
device, the user
device is unable to demodulate a packet of data at a fast data rate, the user
device can
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CA 02919772 2016-01-28
demodulate the card information using a portion of the signal modulated at a
lower data
rate.
In general, one innovative aspect of the subject matter described in this
specification can be embodied in methods that include the actions of
receiving, from a
read head of the card reader coupled to the user device through an audio jack
of the user
device, card information encoded on a payment card; encoding the card
information in a
fast format packet to be sent to the user device at a first data rate;
encoding the card
information in a slow format packet to be sent to the user device at a second
data rate
lower than the first data rate; modulating the fast format packet and the slow
format
packet into a signal and sending the signal over the audio channel of the user
device;
initiating, at the user device, a demodulation process on a portion of the
signal that
corresponds to the fast format packet; determining that the demodulation
process on the
portion of the signal that corresponds to the fast format packet has failed;
in response to
determining that the demodulation process on the portion of the signal that
corresponds to
the fast format packet has failed, demodulating a portion of the signal that
corresponds to
the slow format packet; and decoding the card information from the demodulated
slow
format packet. Other embodiments of this aspect include corresponding computer
systems, apparatus, and computer programs recorded on one or more computer
storage
devices, each configured to perform the actions of the methods. For a system
of one or
more computers to be configured to perform particular operations or actions
means that
the system has installed on it software, firmware, hardware, or a combination
of them that
in operation cause the system to perform the operations or actions. For one or
more
computer programs to be configured to perform particular operations or actions
means
that the one or more programs include instructions that, when executed by data
processing
apparatus, cause the apparatus to perform the operations or actions.
The foregoing and other embodiments can each optionally include one or more of
the following features, alone or in combination. The actions include receiving
the portion
of the signal that coffesponds to the slow format packet before or while
performing the
demodulation process on the portion of the signal corresponding to the fast
format packet.
Encoding the card information in a slow format packet comprises generating a
preamble
segment for the slow format packet that is longer than a preamble segment of
the fast
format packet. Encoding the card information in a slow format packet comprises
generating multiple data segments, wherein each data segment encodes a portion
of the
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CA 02919772 2016-01-28
card information; and generating a respective preamble and synchronization
segment for
each data segment of the multiple data segments.
In general, another innovative aspect of the subject matter described in this
specification can be embodied in methods that include the actions of
receiving, from a
read head of the card reader, card information associated with a card;
encoding the card
information in a first format to be sent to the user device at a first data
rate; encoding the
card information in a second format to be sent to the user device at a second
data rate
lower than the first data rate; sending, to the user device, the card
information encoded in
the first format and the second format. Other embodiments of this aspect
include
corresponding computer systems, apparatus, and computer programs recorded on
one or
more computer storage devices, each configured to perform the actions of the
methods.
The foregoing and other embodiments can each optionally include one or more of
the following features, alone or in combination. Sending, to the user device,
the card
information encoded in the first format and the second format comprises
sending a signal
over an audio channel of the user device. Sending, to the user device, the
card
information encoded in the first format and the second format comprises
sending a signal
over a data communications port of the user device. Sending, to the user
device, the card
information encoded in the first format and the second format comprises
sending a
portion of a signal that corresponds to the slow format before or while the
user device is
performing a demodulation process on a portion of the signal corresponding to
the fast
format. Encoding the card information in a slow format comprises generating a
preamble
segment for the slow format that is longer than a preamble segment of the fast
format.
Encoding the card information in a slow format comprises generating multiple
data
segments, wherein each data segment of the multiple data segments encodes a
portion of
the card information; and generating a respective preamble and synchronization
segment
for each data segment of the multiple data segments. Sending, to the user
device, the card
information encoded in the first format and the second format comprises
sending a
portion of the signal corresponding to the fast format before a portion of the
signal
corresponding to the slow format.
In general, another innovative aspect of the subject matter described in this
specification can be embodied in methods that include the actions of
receiving, from a
card reader, a signal encoding card information associated with a card,
wherein the card
information is encoded in a first format received at a first data rate and a
second format
received at a second data rate that is lower than the first data rate;
initiating a
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CA 02919772 2016-01-28
demodulation process on a portion of the signal that corresponds to the fast
format;
determining that the demodulation process on the portion of the signal that
corresponds to
the fast format has failed; in response to determining that the demodulation
process on the
portion of the signal that corresponds to the fast format has failed,
demodulating a portion
of the signal that corresponds to the slow format; and decoding the card
information from
the demodulated slow format Other embodiments of this aspect include
corresponding
computer systems, apparatus, and computer programs recorded on one or more
computer
storage devices, each configured to perform the actions of the methods.
The foregoing and other embodiments can each optionally include one or more of
the following features, alone or in combination. The actions include receiving
a portion
of the signal that corresponds to the slow format before or while performing
the
demodulation process on a portion of the signal corresponding to the fast
format.
Receiving, from the card reader, the signal encoding card information
associated with a
card comprises receiving the signal over an audio channel of the user device.
Receiving,
from the card reader, the signal encoding card information associated with a
card
comprises receiving the signal over a data communications port of the user
device. The
slow format comprises an initial preamble segment that is longer than an
initial preamble
segment for the fast format. Decoding the card information comprises
identifying
multiple data segments designated by respective synchronization segments,
wherein each
data segment of the multiple data segments encodes a portion of the card
information; and
assembling the card information using the multiple data segments.
In general, another innovative aspect of the subject matter described in this
specification can be embodied in a card reader that is configured to encode
card
information associated with a card obtained from a read head into a fast
format to be sent
to a user device at a first data rate, encode the card information in a slow
format to be sent
to the user device at a second data rate lower than the first data rate, and
send, to the user
device, the card information encoded in the first format and the second
format. Other
embodiments of this aspect include cotTesponding computer systems, methods,
and
computer programs recorded on one or more computer storage devices, each
configured
to perform the actions of the card reader.
The foregoing and other embodiments can each optionally include one or more of
the following features, alone or in combination. The card reader is further
configured to
send a portion of a signal that corresponds to the slow format before or while
the user
device is performing a demodulation process on a portion of the signal
corresponding to
4

CA 02919772 2016-01-28
the fast format packet. The card reader is configured to encode the card
information in
the slow format including generating multiple data segments, wherein each data
segment
of the multiple data segments encodes a portion of the card information, and
generating a
respective preamble and synchronization segment for each data segment of the
multiple
data segments.
Advantages may include one or more of the following. Modulating multiple
information packets at different data rates increases the reliability of
communication
between a card reader and a user device. This can increase the likelihood that
card
information is read correctly on a first swipe and increases the types of user
devices from
which card information can be read reliably. Using multiple data segments,
each having a
respective preamble and synchronization segment, can further increase the
reliability of
reading card information by continually adjusting for clock drift when reading
a signal.
The multiple data packets improves the reliability of reading card information
without
requiring back-and-forth communication between the devices, e.g., without
requiring the
user device to acknowledge receipt and successful demodulation of the card
information.
This in turn gives both the merchant and the customer a less time-consuming
and overall
better user experience.
BRIEF DESCRIPTION OF THE DRAWINGS
FIG. 1 is a schematic illustration of an example cardless payment system
architecture.
FIG. 2 is a diagram of a fast format packet and a slow format packet.
FIG. 3 is a flow chart of an example process for generating a signal that
includes a
fast format packet and a slow format packet.
FIG. 4 is a flow chart of an example process for obtaining card information
from a
signal that includes a fast format packet and a slow format packet.
Like reference numbers and designations in the various drawings indicate like
elements.
DETAILED DESCRIPTION
FIG. 1 is a schematic illustration of an example system 100 for conducting a
transaction using a card reader 110. The system 100 is capable of processing a
payment
transaction between a mobile computing device 102 and a card reader 110. The
mobile
computing device 102 can be a smart phone, tablet computer or laptop, or other
data
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CA 02919772 2016-01-28
processing apparatus. The card reader 110 can be detachably connected to the
mobile
computing device 102. The card reader 110 is a device that reads data from a
storage
medium on a credit-card shaped card, e.g., from a magnetic stripe or embedded
chip. In
other words, the card reader 110 may not have a display or a keyboard, but the
card
reader 110 has an interface for inserting or swiping a card. For example, the
system 100
can process the card according to the Europay, Mastercard, Visa (EMV)
protocol.
The card reader 110 is attached to the mobile device 102 by a port of the
mobile
device 102. The port can be any appropriate type of port for sending signals
to the mobile
device. For example, the port can be a port for sending audio signals, e.g.,
an audio jack
or headset jack of the mobile device 102. The port can also be a port for
sending optical
signals, e.g., an optical fiber port. The port can also be another kind of
port for sending
electrical signals to the mobile device. For example, the port can be a data
communications port, e.g., a universal serial bus (USB) port, a charging port,
or a port
that has a combination of these or other functions, e.g., a data
communications and power
charging port.
The card reader 110 can read, on the card, a magnetic stripe or chip to obtain
card
information, e.g., a card number and a card expiration date. The card reader
110 then
generates multiple data packets that encode the card information in a
particular format
and which are intended to be modulated at different respective data rates.
Each packet
can include multiple segments including preambles, synchronization segments,
and
multiple data segments that encode card information associated with the card.
In this
specification, a data packet is a data structure that includes one or more
segments of data,
e.g., a preamble, synchronization, and data segments, but does necessarily
imply a packet
that is sent over a network of devices and need not include network addressing
or routing
information.
The card reader 110 then generates a signal, e.g., an electrical signal, by
modulating the multiple packets at their respective data rates, and sends the
signal to the
mobile device 102, e.g., over an audio channel or another port that connects
the card
reader 110 to the mobile device 102. The mobile device 102 receives the signal
and
demodulates the signal to reconstruct one or more of the data packets. The
mobile device
102 can demodulate a portion of the signal corresponding to any one of the
packets. If
the mobile device 102 is unable to demodulate a portion of the signal having a
particular
data rate, e.g., because the data rate is too fast for the electronics of
mobile device 102 to
demodulate correctly, the mobile device 102 can demodulate a different portion
of the
6

CA 02919772 2016-01-28
signal having a lower data rate. Thus, the card reader 110 can provide the
mobile device
102 with a robust signal with built-in redundancy to improve the reliability
of
communication between the card reader 110 and the mobile device 102.
The mobile device 102 can then transmit an authorization for the transaction
to a
secure server 114 for payment processing using an external network, e.g., the
Internet
112. The secure server 114 can relay the transaction to the card issuer 116,
which
ultimately approves or denies the transaction. The card issuer 116 can
communicate the
approval or denial to the secure server 114, which can relay the card issuer's
response to
the mobile device 102.
The mobile device 102 includes a display 104 and a user interface controller
106.
The user interface controller 106 can generate a user interface for directing
the user in
swiping cards for a payment transaction. The mobile device 102 can display the
generated interface on the display 104. For example, the generated interface
can instruct
the user to swipe a card, inform the user that a swipe failed, and instruct
the user that a
card is expired, just to name a few examples.
FIG. 2 illustrates example formats of example data packets. A card reader can
generate a fast format packet 220 and a slow format packet 230 having the same
general
arrangement as shown by an example data packet 210. The card reader can then
use the
fast format packet 220 and the slow format packet 230 to generate a signal 240
that can
be modulated and sent to a user device, e.g., over an audio channel of the
user device.
The example data packet 210 includes multiple data segments that encode card
information associated with a payment card. The card information can include a
card
number of the card, an expiration date of the card, a name of the card holder,
in addition
to other types of data. The data packet 210 also includes other segments for
determining
a data rate, synchronizing signal measurements with the data rate, and error
checking.
An initial automatic gain control (AGC) segment 211 can be used for performing
automatic gain control on the user device to adjust the gain of the received
signal to an
appropriate level. If the signal is weak, the user device can increase the
gain, and if the
signal is too strong, the user device can decrease the gain. Thus, the AGC
segment 211
may not encode any data.
The card reader can encode card information obtained from a payment card into
multiple data segments, e.g., a data segment 214 and a data segment 217, that
are each
preceded by a preamble and a synchronization segment. For example, the data
segment
214 is preceded by a preamble segment 212 and a synchronization segment 213,
and the
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CA 02919772 2016-01-28
data segment 217 is preceded by its own preamble segment 215 and 216. The card
reader
can break up the card information from the card into multiple data segments,
each having
its own preamble and synchronization segment in order to improve the
reliability of the
signal transmission. Using multiple preamble and synchronization segments
enables the
user device to continually compensate for clock drift that may occur while the
user device
is receiving the signal.
Each preamble segment, e.g., the preamble segment 212, can be used by the user
device to determine or refine a frequency of the signal data rate, initially,
as well as
before each subsequently received data segment. In some implementations, the
initial
preamble segment 212 used to determine the data rate in the first instance is
longer than
preamble segments elsewhere in the packet 210, e.g., preamble segment 215. In
other
words, the initial preamble segment 212 encodes more bits than other preamble
segments.
A longer preamble can increase the accuracy of determining a data rate from a
signal. In
some implementations, a preamble segment encodes all zeros or all ones so that
each bit
has two transitions when using self-clocking line codes, e.g., Manchester
code. The user
device can receive the signal and perform a fast Fourier transform process on
a preamble
segment of the signal to determine the frequency of the data rate based on
frequency
peaks in the output of the fast Fourier transform process.
Each synchronization segment, e.g., the synchronization segment 213, encodes a
distinctive synchronization pattern. The user device can use the
synchronization segment
to align measurements of the received signal with determined midpoints between
signal
transitions in order to increase the accuracy of the signal reading. In other
words, the user
device can time the measurements of the signal such that the measurements are
unlikely
to occur near signal transitions.
A training synchronization segment 215 encodes a synchronization pattern that
indicates, to the user device, the end of the packet 210. A final cyclic
redundancy check
(CRC) segment 219 encodes a value that the user device can use to detect
errors in the
received signal using a cyclic redundancy check process.
The fast format packet 220 and the slow format packet 230 each have the same
general format as the example packet 210 and encode the same card information,
possibly
in multiple data segments. However, the initial preamble segment 232 of the
slow format
packet 230 is longer than the preamble segment 222 of the fast format packet
220. In
other words, the initial preamble segment 232 of the slow format packet 230
encodes
more bits than the preamble segment 222 of the fast format packet 220. Because
the slow
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CA 02919772 2016-01-28
format packet 230 will ordinarily be used when demodulation of the fast format
packet
220 has failed, possibly due to noise, the card reader can generate a longer
preamble for
the slow format packet 230 to increase the reliability of reading the card
under noisy
conditions. In some implementations, the card reader can further increase the
reliability
of the signal transmission by generating preamble segments of the slow format
packet
230 that are each longer than corresponding preamble segments of the fast
format packet
220.
The fast format packet 220 and the slow format packet 230 can be encoded in a
single signal 240 that can be modulated and sent to a user device. The data
rate of the
signal 240 is higher for the portion corresponding to the fast format packet
220. In some
implementations, the portion of the signal 240 corresponding to the fast
format packet
220 has a bit rate at least three times higher, e.g., four times higher, than
the portion of the
signal corresponding to the slow format packet 230.
FIG. 3 is a flow chart of an example process for generating a signal that
includes a
fast format packet and a slow format packet. The example process can be
performed by
any appropriately programmed data processing apparatus. The process will be
described
as being performed by a card reader coupled to a user device.
The card reader receives card information associated with a card (302). As
described above, the card information can be obtained from a read head of the
card reader
after a payment card is swiped through the read head, read from an embedded
chip, or
otherwise obtained from the card.
The card reader encodes the card information in a fast format packet (304).
The
card reader can generate a fast format packet that has a format as described
above with
reference to FIG. 2. For example, the card reader can generate multiple data
segments
that encode the card information and can generate a respective preamble and
synchronization segment for each of the multiple data segments. The card
reader can also
generate other segments for the fast format packet, e.g., a trailing CRC
segment, as
appropriate.
The card reader encodes the card information in a slow format packet (306).
For
example, the card reader can generate a slow format packet that has a format
as described
above with reference to FIG. 2. Similarly, the card reader can generate
multiple data
segments that each have a respective preamble and synchronization segment.
However,
the card reader need not regenerate every preamble, synchronization, and data
segment.
Rather, the card reader may reuse some preamble, synchronization, and data
segments
9

CA 02919772 2016-01-28
that were created during generation of the fast format packet. The card reader
may also
generate the slow format packet first and reuse one or more segments during
generation
of the fast format packet.
Some segments of the slow format packet may differ from corresponding
segments of the fast format packet. For example, the card reader can generate
preambles
for the slow format packet that are longer than preambles of the fast format
packet.
The card reader modulates the fast format packet and the slow format packet
into
a signal and sends the signal over an audio channel of the user device (308).
Generally,
the card reader will modulate the fast format packet at a data rate that is
higher than the
data rate for the slow format packet. The card reader can use any appropriate
digital
encoding and modulation techniques, e.g., a Manchester encoding with pulse-
width
modulation. In some implementations, the fast format packet is modulated at 6
kb/s and
the slow format packet is modulated at 1.5 kb/s.
Although in the example process shown in FIG. 3 the card reader generates a
fast
format packet and a slow format packet, the card reader may also generate
additional
packets that are modulated at other speeds and sent to the user device as
well. Generally,
portions of the signal corresponding to packet formats having higher data
rates are sent to
the user device before portions of the signal corresponding to packet formats
having
lower data rates. In some implementations, the card reader sends multiple
packets in
order by decreasing data rate.
The user device will receive the signal and attempt to demodulate the portion
of
the signal corresponding to the fast format packet. However, the card reader
can
automatically continue to send a portion of the signal corresponding to the
slow format
packet before receiving any feedback from the user device as to whether or not
demodulation of the fast format packet was successful.
FIG. 4 is a flow chart of an example process for obtaining card information
from a
signal that includes a fast format packet and a slow format packet. The
example process
can be performed by any appropriately programmed data processing apparatus.
For
example, the process can be implemented by a user application installed on a
user device.
The process will be described as being performed by a user device coupled to a
card
reader.
The user device receives a signal having a fast format packet and a slow
format
packet (402). For example, the user device can be programmed to continually
monitor for

CA 02919772 2016-01-28
signals received over a port of the user device, e.g., over an audio jack or
headset jack to
which a card reader is connected.
The user device initiates a demodulation process on a portion of the signal
corresponding to the fast format packet (404). The user device can initiate
the
demodulation process when the user device detects an incoming signal. The user
device
can consider the first received portion of the signal to be the fast format
packet.
In some implementations, the user device performs a high-pass finite impulse
response filter to remove high frequency noise from the signal. The user
device then
performs a fast Fourier transform on the fast format packet preamble to
estimate the data
rate of the fast format packet. The user device then searches for the
synchronization
pattern segment of the fast format packet and generates a reference sine wave.
The user
device then integrates the reference sine wave with the data segment of the
fast format
packet to generate the bits of the original fast format packet. The user
device may
perform error correcting algorithms to account for noise or other kinds of
errors, e.g., the
Verterbi algorithm or cyclic redundancy check.
If demodulation of the fast format packet succeeds (406), the user device
decodes
card information from the demodulated fast format packet (branch to 408). The
user
device can then proceed to process a payment transaction using information
obtained
from the payment card. When demodulation of the fast format packet succeeds,
the user
device can ignore the portion of the signal corresponding to the slow format
packet.
If demodulation of the fast format packet does not succeed (406), the user
device
initiates a demodulation process on a portion of the signal corresponding to
the slow
format packet (branch to 410). Before or during attempting demodulation of the
fast
format packet, the user device can continue to receive the signal from the
card reader that
corresponds to the slow format packet. The demodulation process for the slow
format
packet may be similar to the process used for the fast format packet, although
the data
rate for the slow format packet will be lower than the data rate for the fast
format packet.
If demodulation of the slow format packet succeeds (412), the user device
decodes
card information from the demodulated slow format packet (414). The user
device can
then proceed to process a payment transaction using the decoded card
information.
If demodulation of both the fast format packet and the flow format packet does
not
succeed (412), the user device can display a message indicating that reading
of the card
failed. For example, the user device can display an error message indicating
that the user
should swipe the card again (416).
11

CA 02919772 2016-01-28
Embodiments of the subject matter and the operations described in this
specification can be implemented in digital electronic circuitry, or in
computer software,
firmware, or hardware, including the structures disclosed in this
specification and their
structural equivalents, or in combinations of one or more of them. Embodiments
of the
subject matter described in this specification can be implemented as one or
more
computer programs, i.e., one or more modules of computer program instructions,
encoded
on a non-transitory computer storage medium for execution by, or to control
the operation
of, data processing apparatus. Alternatively or in addition, the program
instructions can
be encoded on an artificially-generated propagated signal, e.g., a machine-
generated
electrical, optical, or electromagnetic signal, that is generated to encode
information for
transmission to suitable receiver apparatus for execution by a data processing
apparatus.
A computer storage medium can be, or be included in, a computer-readable
storage
device, a computer-readable storage substrate, a random or serial access
memory array or
device, or a combination of one or more of them. Moreover, while a computer
storage
medium is not a propagated signal, a computer storage medium can be a source
or
destination of computer program instructions encoded in an artificially-
generated
propagated signal. The computer storage medium can also be, or be included in,
one or
more separate physical components or media (e.g., multiple CDs, disks, or
other storage
devices).
The operations described in this specification can be implemented as
operations
performed by a data processing apparatus on data stored on one or more
computer-
readable storage devices or received from other sources.
The term "data processing apparatus" encompasses all kinds of apparatus,
devices,
and machines for processing data, including by way of example a programmable
processor, a computer, a system on a chip, or multiple ones, or combinations,
of the
foregoing The apparatus can include special purpose logic circuitry, e.g., an
FPGA (field
programmable gate array) or an ASIC (application-specific integrated circuit).
The
apparatus can also include, in addition to hardware, code that creates an
execution
environment for the computer program in question, e.g., code that constitutes
processor
firmware, a protocol stack, a database management system, an operating system,
a cross-
platform runtime environment, a virtual machine, or a combination of one or
more of
them. The apparatus and execution environment can realize various different
computing
model infrastructures, such as web services, distributed computing and grid
computing
infrastructures.
12

CA 02919772 2016-01-28
A computer program (also known as a program, software, software application,
script, or code) can be written in any form of programming language, including
compiled
or interpreted languages, declarative or procedural languages, and it can be
deployed in
any form, including as a stand-alone program or as a module, component,
subroutine,
object, or other unit suitable for use in a computing environment. A computer
program
may, but need not, correspond to a file in a file system. A program can be
stored in a
portion of a file that holds other programs or data (e.g., one or more scripts
stored in a
markup language resource), in a single file dedicated to the program in
question, or in
multiple coordinated files (e.g., files that store one or more modules, sub-
programs, or
portions of code). A computer program can be deployed to be executed on one
computer
or on multiple computers that are located at one site or distributed across
multiple sites
and interconnected by a communication network.
The processes and logic flows described in this specification can be performed
by
one or more programmable processors executing one or more computer programs to
perform actions by operating on input data and generating output. The
processes and
logic flows can also be performed by, and apparatus can also be implemented
as, special
purpose logic circuitry, e.g., an FPGA (field programmable gate array) or an
ASIC
(application-specific integrated circuit).
Processors suitable for the execution of a computer program include, by way of
example, both general and special purpose microprocessors, and any one or more
processors of any kind of digital computer. Generally, a processor will
receive
instructions and data from a read-only memory or a random access memory or
both. The
essential elements of a computer are a processor for performing actions in
accordance
with instructions and one or more memory devices for storing instructions and
data.
Generally, a computer will also include, or be operatively coupled to receive
data from or
transfer data to, or both, one or more mass storage devices for storing data,
e.g., magnetic,
magneto-optical disks, or optical disks. However, a computer need not have
such
devices. Moreover, a computer can be embedded in another device, e.g., a
mobile
telephone, a personal digital assistant (FDA), a mobile audio or video player,
a game
console, a Global Positioning System (GPS) receiver, or a portable storage
device (e.g., a
universal serial bus (USB) flash drive), to name just a few. Devices suitable
for storing
computer program instructions and data include all forms of non-volatile
memory, media
and memory devices, including by way of example semiconductor memory devices,
e.g.,
EPROM, EEPROM, and flash memory devices; magnetic disks, e.g., internal hard
disks
13

CA 02919772 2016-01-28
or removable disks; magneto-optical disks; and CD-ROM and DVD-ROM disks. The
processor and the memory can be supplemented by, or incorporated in, special
purpose
logic circuitry.
To provide for interaction with a user, embodiments of the subject matter
described in this specification can be implemented on a computer having a
display device,
e.g., a CRT (cathode ray tube) or LCD (liquid crystal display) monitor, for
displaying
information to the user and input devices for providing input to the computer,
e.g., a
keyboard, a mouse, or a presence sensitive surface or display. Other kinds of
devices can
be used to provide for interaction with a user as well; for example, feedback
provided to
to the user can be any form of sensory feedback, e.g., visual feedback,
auditory feedback, or
tactile feedback; and input from the user can be received in any form,
including acoustic,
speech, or tactile input. In addition, a computer can interact with a user by
sending
resources to and receiving resources from a device that is used by the user;
for example,
by sending web pages to a web browser on a user's client device in response to
requests
received from the web browser.
A system of one or more computers can be configured to perform particular
operations or actions by virtue of having software, firmware, hardware, or a
combination
of them installed on the system that in operation causes or cause the system
to perform
the actions. One or more computer programs can be configured to perform
particular
operations or actions by virtue of including instructions that, when executed
by data
processing apparatus, cause the apparatus to perform the actions.
While this specification contains many specific implementation details, these
should not be construed as limitations on the scope of any inventions or of
what may be
claimed, but rather as descriptions of features specific to particular
embodiments of
particular inventions. Certain features that are described in this
specification in the
context of separate embodiments can also be implemented in combination in a
single
embodiment. Conversely, various features that are described in the context of
a single
embodiment can also be implemented in multiple embodiments separately or in
any
suitable subcombination. Moreover, although features may be described above as
acting
in certain combinations and even initially claimed as such, one or more
features from a
claimed combination can in some cases be excised from the combination, and the
claimed
combination may be directed to a subcombination or variation of a
subcombination.
Similarly, while operations are depicted in the drawings in a particular
order, this
should not be understood as requiring that such operations be performed in the
particular
14

CA 02919772 2016-01-28
order shown or in sequential order, or that all illustrated operations be
performed,
to achieve desirable results. In certain circumstances, multitasking and
parallel
processing may be advantageous. Moreover, the separation of various system
components in the embodiments described above should not be understood as
requiring
such separation in all embodiments, and it should be understood that the
described
program components and systems can generally be integrated together in a
single
software product or packaged into multiple software products.
Thus, particular embodiments of the subject matter have been described. Other
embodiments are within the scope of the following claims. In some cases, the
actions
recited in the claims can be performed in a different order and still achieve
desirable
results. In addition, the processes depicted in the accompanying figures do
not
necessarily require the particular order shown, or sequential order, to
achieve desirable
results. In certain implementations, multitasking and parallel processing may
be
advantageous.
15

Representative Drawing
A single figure which represents the drawing illustrating the invention.
Administrative Status

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Please note that "Inactive:" events refers to events no longer in use in our new back-office solution.

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Event History

Description Date
Letter Sent 2022-02-10
Inactive: Multiple transfers 2022-01-17
Inactive: IPC expired 2022-01-01
Inactive: IPC from PCS 2022-01-01
Inactive: IPC from PCS 2022-01-01
Inactive: IPC expired 2022-01-01
Common Representative Appointed 2019-10-30
Common Representative Appointed 2019-10-30
Revocation of Agent Requirements Determined Compliant 2017-01-17
Inactive: Office letter 2017-01-17
Appointment of Agent Requirements Determined Compliant 2017-01-17
Revocation of Agent Request 2016-12-29
Appointment of Agent Request 2016-12-29
Grant by Issuance 2016-10-25
Inactive: Cover page published 2016-10-24
Inactive: Final fee received 2016-09-15
Pre-grant 2016-09-15
Notice of Allowance is Issued 2016-03-15
Letter Sent 2016-03-15
Notice of Allowance is Issued 2016-03-15
Inactive: Approved for allowance (AFA) 2016-03-11
Inactive: QS passed 2016-03-11
Inactive: Cover page published 2016-03-04
Inactive: Acknowledgment of national entry - RFE 2016-02-19
Inactive: IPC assigned 2016-02-08
Inactive: IPC removed 2016-02-08
Inactive: First IPC assigned 2016-02-08
Inactive: IPC assigned 2016-02-08
Inactive: IPC assigned 2016-02-08
Inactive: IPC assigned 2016-02-08
Inactive: First IPC assigned 2016-02-04
Letter Sent 2016-02-04
Inactive: IPC assigned 2016-02-04
Application Received - PCT 2016-02-04
National Entry Requirements Determined Compliant 2016-01-28
Request for Examination Requirements Determined Compliant 2016-01-28
Advanced Examination Determined Compliant - PPH 2016-01-28
Advanced Examination Requested - PPH 2016-01-28
Amendment Received - Voluntary Amendment 2016-01-28
All Requirements for Examination Determined Compliant 2016-01-28
Application Published (Open to Public Inspection) 2015-02-12

Abandonment History

There is no abandonment history.

Maintenance Fee

The last payment was received on 2016-07-05

Note : If the full payment has not been received on or before the date indicated, a further fee may be required which may be one of the following

  • the reinstatement fee;
  • the late payment fee; or
  • additional fee to reverse deemed expiry.

Please refer to the CIPO Patent Fees web page to see all current fee amounts.

Fee History

Fee Type Anniversary Year Due Date Paid Date
Basic national fee - standard 2016-01-28
Request for examination - standard 2016-01-28
MF (application, 2nd anniv.) - standard 02 2016-07-15 2016-07-05
Final fee - standard 2016-09-15
MF (patent, 3rd anniv.) - standard 2017-07-17 2017-06-19
MF (patent, 4th anniv.) - standard 2018-07-16 2018-06-19
MF (patent, 5th anniv.) - standard 2019-07-15 2019-07-08
MF (patent, 6th anniv.) - standard 2020-07-15 2020-06-24
MF (patent, 7th anniv.) - standard 2021-07-15 2021-06-24
Registration of a document 2022-01-17 2022-01-17
MF (patent, 8th anniv.) - standard 2022-07-15 2022-05-25
MF (patent, 9th anniv.) - standard 2023-07-17 2023-05-24
Owners on Record

Note: Records showing the ownership history in alphabetical order.

Current Owners on Record
BLOCK, INC.
Past Owners on Record
ALEX SUTTON
DANIEL JEFFREY POST
DOMINIQUE GILBERT TOPPANI
THOMAS TEMPLETON
Past Owners that do not appear in the "Owners on Record" listing will appear in other documentation within the application.
Documents

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Document
Description 
Date
(yyyy-mm-dd) 
Number of pages   Size of Image (KB) 
Abstract 2016-01-28 1 14
Description 2016-01-28 15 802
Claims 2016-01-28 4 153
Drawings 2016-01-28 4 49
Representative drawing 2016-01-28 1 10
Claims 2016-01-29 4 152
Cover Page 2016-03-04 1 40
Representative drawing 2016-10-06 1 9
Cover Page 2016-10-06 1 41
Acknowledgement of Request for Examination 2016-02-04 1 175
Commissioner's Notice - Application Found Allowable 2016-03-15 1 160
Notice of National Entry 2016-02-19 1 201
Reminder of maintenance fee due 2016-03-16 1 111
Voluntary amendment 2016-01-28 6 186
Amendment - Abstract 2016-01-28 1 62
National entry request 2016-01-28 5 149
International search report 2016-01-28 1 58
Patent cooperation treaty (PCT) 2016-01-28 1 42
Fees 2016-07-05 1 25
Final fee 2016-09-15 2 71
Correspondence 2016-12-29 3 123
Courtesy - Office Letter 2017-01-17 3 490